The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,910
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,187
−HK$282/mo
Today · 4.125%
HK$9,469
baseline
▲ 0.50% · 4.625%
HK$10,045
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,938/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,912
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,178
−HK$270/mo
Today · 4.125%
HK$10,448
baseline
▲ 0.50% · 4.625%
HK$10,999
+HK$551/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,896/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,692
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,025
−HK$338/mo
Today · 4.125%
HK$11,363
baseline
▲ 0.50% · 4.625%
HK$12,054
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,726/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,895
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,214
−HK$323/mo
Today · 4.125%
HK$12,537
baseline
▲ 0.50% · 4.625%
HK$13,198
+HK$661/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,074/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,474
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,862
−HK$394/mo
Today · 4.125%
HK$13,256
baseline
▲ 0.50% · 4.625%
HK$14,063
+HK$807/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,512/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,877
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,249
−HK$378/mo
Today · 4.125%
HK$14,627
baseline
▲ 0.50% · 4.625%
HK$15,398
+HK$771/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,254/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,038
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,537
−HK$507/mo
Today · 4.125%
HK$17,044
baseline
▲ 0.50% · 4.625%
HK$18,081
+HK$1,037/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,088/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,842
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,321
−HK$485/mo
Today · 4.125%
HK$18,806
baseline
▲ 0.50% · 4.625%
HK$19,797
+HK$991/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,612/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).